HDFC Bank Millennia Credit Card benefits
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato and 5 other merchants
- 1% cashback on other eligible spends
- ₹1,000 joining and renewal fee, plus GST
- Renewal fee waived on ₹1,00,000 of yearly spends
- ₹1,000 gift voucher or a lounge voucher on ₹1,00,000 of spends in a calendar quarter
- 1 CashPoint = ₹1 against your statement, with a ₹50 redemption fee
HDFC Bank Millennia Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Amazon, Flipkart, Myntra, SwiggyOnly on 10 merchants: Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato. Other online shops earn 1%. EMI spends do not qualify. | 5% back | 1,000 |
| Everything else | 1% back | 1,000 |
No rewards on: Fuel, rent, government payments, wallet loads, all EMI transactions, cash advances, card fees and charges, online skill-based gaming, and education payments made through third-party apps.
All reward rules
- Cashback comes as CashPoints. 1 CashPoint = ₹1 when you redeem it against your statement.
- The 1% rate on other spends is capped at 1,000 CashPoints in a calendar month. This cap is separate from the 5% cap.
- You need at least 500 CashPoints to redeem against your statement. You can redeem up to 3,000 CashPoints in a calendar month this way.
- A ₹50 fee applies each time you redeem rewards as statement credit.
- On SmartBuy flights, hotels and the rewards catalogue, 1 CashPoint is worth ₹0.30 or less.
- Unused CashPoints lapse after 2 years.
- Spend ₹1,00,000 in a calendar quarter to get one voucher: a ₹1,000 gift voucher or a domestic airport lounge voucher. You can pick only one of the two for that quarter.
- Free lounge access by showing the card ended on 30 November 2023. The lounge count on this page is the most you can get through the quarterly voucher, which is 1 per quarter.
HDFC Bank Millennia Credit Card annual fee and charges
- Joining fee
- ₹1,000
- Annual fee
- ₹1,000
- Fee waiver
- ₹1,00,000 a year
- Foreign currency markup
- 3.5%
Fees are before GST. The renewal fee is waived if you spend ₹1,00,000 in a year before the renewal date. A welcome benefit of 1,000 CashPoints is given only if the joining fee is paid. No CashPoints are given for paying the renewal fee.
Fuel surcharge: 1% waiver on fuel transactions from ₹400 to ₹5,000. Maximum waiver is ₹250 per statement cycle.
HDFC Bank Millennia Credit Card eligibility
- Age
- 21 to 40
- Salaried income
- ₹4,20,000 a year
- Self-employed income
- ₹6,00,000 a year
Indian nationals. Salaried: net monthly income above ₹35,000. Self-employed: ITR above ₹6 lakh a year. The bank's separate eligibility page shows different figures at the top (age up to 60 or 65 and gross monthly income above ₹25,000), so check with the bank before you apply.
The bank alone decides approval and your credit limit.
HDFC Bank Millennia Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Free lounge access ended on 30 November 2023. You can now pick a lounge voucher instead of a ₹1,000 gift voucher after spending ₹1 lakh in a quarter.
Frequently asked questions
What is the annual fee of the HDFC Millennia Credit Card?
The joining fee and the renewal fee are both ₹1,000 plus GST. The renewal fee is waived if you spend ₹1,00,000 in a year before your renewal date.
Is the HDFC Millennia Credit Card lifetime free?
No. Under the standard terms it has a ₹1,000 yearly fee. You can avoid the renewal fee by meeting the ₹1,00,000 yearly spend.
What is the eligibility for the HDFC Millennia Credit Card?
The card page asks for age 21 to 40. Salaried applicants need net monthly income above ₹35,000. Self-employed applicants need an ITR (income tax return) above ₹6 lakh a year. The bank's eligibility page also shows other figures, so confirm with the bank.
What is the cashback limit on the Millennia Credit Card?
You can earn up to 1,000 CashPoints in a calendar month at 5%. You can earn another 1,000 CashPoints in a calendar month at 1%. Spends above these limits earn nothing.
Does the Millennia Credit Card give free airport lounge access?
Not directly. Free lounge access by showing the card ended on 30 November 2023. Now, if you spend ₹1,00,000 in a calendar quarter, you can choose a domestic lounge voucher in place of the ₹1,000 gift voucher. You cannot take both.
Does the Millennia Credit Card earn cashback on fuel, rent or EMI?
No. Fuel, rent, government payments, wallet loads and EMI transactions earn no CashPoints. The card does give a 1% fuel surcharge waiver on transactions from ₹400 to ₹5,000, up to ₹250 per statement cycle.
How do I use Millennia cashback?
Redeem your CashPoints against your statement at 1 CashPoint = ₹1. You need at least 500 CashPoints, and you can redeem up to 3,000 in a calendar month. A ₹50 fee applies to each redemption. Unused CashPoints lapse after 2 years.